Guys, the Credit Card Holders’ Association of India (CCHAI) has alleged that banks have robbed credit card holders of over Rs 6,000 crore between 2001 and 2003. It has filed a complaint with the Monopolistic and Restrictive Trade Practice (MRPT) Commission, which has set August 11 as the date for hearing the case.

“If we win the case, banks will have to refund the extra charges they have levied on cards. We are asking card holders to either approach us with the details of the charges or to approach the MRPT Commission,” said C V Giddappa, secretary, CCHAI.Balancing of books.

The association conducted a study and arrived at the Rs 6,000 crore figure which, it says, has been illegally collected by banks. The study observed that 9 per cent of a bank’s income termed as other income comes from the credit card business. Nearly three-fourths of that amount is considered illegal and unauthorised charges, they alleged.

“The study has only considered average income from foreign and private banks to calculate the approximate amount of Rs 6,000 crore. The actual figure may be much more. We want a thorough income audit and a refund of the illegitimate income,” Giddappa said.

The study has pointed to some alleged tactics used by banks to extract money from credit card holders. The CCHAI made the following allegations based on the study:

Card holders are not informed about payment due date in the first month. Late fee is then levied.

The outstanding amount in the account exceeds the permitted credit limit, and credit over limitcharges are levied. Thereafter, interest is charged on the entire outstanding amount from the due date.

Some banks charge interest at an accelerated rate, which means that the interest rate increases every month if there is no repayment.

Some banks levy three different types of late payment charges in a single month. They make the card holder pay late charges, late payment charges and late fee.

The ATM transaction fee for credit cards is levied for each and every transaction on a slab basis. It ranges from Rs 250 for Rs 3,000 to Rs 1,250 for Rs 15,000 a day.

Shops sometimes pass on the 2.5% payable to credit card firms to the card holders.

The credit card firms, while reversing wrong entries or disputed transactions, do so at a price. But the charges and service tax already levied continue to be included in the statements. Card holders have to cough up this amount in addition to the charges in the monthly statements.

CCHAI invites people with genuine credit card grievances to contact them on creditcardasson@yahoo.co.in, or phone them on 9341261962/ 22129894/ 22711503.

Guys, if you ask me who are your idol to make your life stand? Here is my answer : Only my Dad and Mom. If it is true then everyone must read this emotions from one's father's core of heart. One day you will become a Father or Mother.

Dear Son, dear daughter …

The day you find that I have become very old , try to have some patience with me and try to understand me.

If I get dirty while eating …If I have some difficulty dressing… be patient! Remember the hours that I spent teaching you these things when you were small.

If I repeat the same thing dozens of time, do not interrupt me!Listen to me!

When you were small, you kept asking me to read you the same story, evening after evening, until you fell asleep. And I did it happily!

If I do not wash myself so often under the shower, do not reprimand and do not tell me that it is a shame.

Remember how many excuses I had to invent to make you take a bath when you were small.

By seeing my ignorance of new technologies, do not laugh at me but give me time to understand.

I taught you so many things …. to eat well …to dress well… to behave well… how to confront the problems of the life …

If I sometimes lose memory or am not able to follow a conversation, give me the necessary time to recollect and if I do not get there, do not become a nervous and arrogant person because the most important thing for me… is to be with you and to be able to speak to you.

If I refuse to eat, do not force me !I know very well when I am hungry and when I am not hungry.

When my poor legs will not allow meto move as before …

…Help me in the same way as when I held your handsto teach you take your first steps.

And when one day, I shall say to you that I do not want to live any more …that I want to die, do not get angry........ because one day, you will also understand !

Try to understand that at certain age, we do not really live any more. We simply survive!

One day, you will understand that in spite of all my errors, I always wanted what was best for you.

You do not have to feel sad, unfortunate or incompetent in front of my old age and of my state. You have to stay near me, try to understand what I live for.

Help me walk; help me to end my lifewith love and patience. The only thing that I need from you is a smile and a lot of love...

Here is one more big shop to buy wireless phones and accessories i.e. Tigaduacellular.com. Guys, it is an Indonesian based cellular company which is a accredited distributor of wireless phones and accessories as well as variety of consumer electronics. This company has a specialty in a all-inclusive array of GSM phones and accessories.

You can find here all brand new and unlocked mobile devices which you are expecting. Across-the-board category of this website furnishes the latest models of GSM phones like Apple, Nokia, O2, HTC, Blackberry, etc. It is it's kind of a online shopping hub which I never ever found on the net as on time.

Just hit this site to enroll your name or open an account for to fill up your empty shopping cart. Please do not miss to see the "What's hot" section of this site because latest phones are placed here with cheapest rate only for you.

One more thing I would like to add here, it is one of the safe shopping; all your transactions being kept safeguarded so you need not worry about it.

If you are really looking for an extensive GSM phones or accessories or you have any sort of doubts, you can send them a message through the form placed on the website.

Guys, it is the last segment on the subject of Cholesterol. We are discussing here How your body weight and smoking habits affects on your heart. To prevent heart attack you have to control your body weight. How? Just take a look.

If your BMI is from 18.5 and 24.9, you are considered to be in healthy weight range for your height.

If your BMI is between 25 and 29.9, you are considered overweight.

And, if your BMI is 30 or greater, you are considered obese.

Stop Smoking:

Smoking doubles your risk of heart disease and stroke. It lowers ‘good’ (HDL) cholesterol and raises ‘bad’ (LDL) cholesterol. Smoking also increases the risk of developing lung cancer. There is really only one way to lower these risks: STOP SMOKING.

Passive smoking is also dangerous for health. Children are at particular risk due to adult’s smoking can develop adverse health effects including coughing, bronchitis, worsening of asthma, middle ear disease, and possibly hear disease in adulthood.

Women who smoke or are exposed to other people smoking have a greater risk of having a miscarriage, premature birth and low birth weight babies.

Talk to your health care provider about a stop-smoking program.

Quitting smoking is the single most important step that you can take to safeguard your health.

Manage Your Stress:

Stress over the long term has been shown to raise blood cholesterol levels. One way that stress may do this is by affecting your habits. For example, when some people are under stress, they console themselves by eating fatty foods. The saturated fats in these foods contribute to higher levels of blood cholesterol.

Friends, it is the 5th segment on Cholesterol. Now there are some questions still remaining to improve the health of your heart like good cooking oil, right food and regular exercises Just take a look on each terms which will help you to restrict the heart attack.

The most common question raised in one's mind that which cooking oil is good for the health?

You should choose oil rich in either mono or polyunsaturated fats because they help reduce blood cholesterol.

You should take the following steps in order to help control your blood cholesterol level and lower your chance of heart disease.

Choose the right foods:

1) Avoid foods rich in saturated fats2) Remove the skin and fat from meat and poultry3) Eat fish at least twice weekly4) Boil, bake, roast or poach instead of frying foods5) Use monounsaturated and polyunsaturated oil for cooking. Use them in moderation6) Use skimmed or low-fat milk, cheese, and yoghurts7) Avoid doughnuts, muffins, pastries and fast food8) Eat fruits, vegetables, nuts, cereals, bread, rice and pasta9) Use liquid or soft margarine instead of butter10) Eat more egg whites and less egg yolks11) Read food labels to learn how much fat is in the food you eat12) Try to reduce your sugar intake

Do Regular Exercise:

Regular physical activity is recommended for everyone. It can help raise ‘good’ (HDL) cholesterol and lower ‘bad’ (LDL) cholesterol and also help to control your body weight.

1) Start slowly and progress gradually. Your goal is to be active every day.

2) Plan to be active fro at least 30 minutes every day.

3) Activities should be moderate in intensity. These activities should make you breathe faster than normal, like when you are walking quickly. But don’t overdo it. Make sure that you can still talk easily.

4) You don’t have to do 30 minutes of activity all at once. You can work up to this by doing small amounts several times a day. Try to do at least 10 minutes of activity each time.

5) Choose activities that you enjoy and that are right for you. The best ones are those that use the large muscles, especially those in the legs. When these muscles are working, they require more oxygen, so the heart has to beat faster. This way your heart becomes a stronger, more efficient pump.

6) Before you start an activity program, talk with your doctor and get advice.

Guys do you know that there are different types of dietary fats in the food we eat? You might thought here before. Following are some examples which plays the vital role to make our heart good or bad.

Saturated fats are found mainly in foods of animal origin. Two vegetable oils, coconut and palm oil, are also high in saturated fat. It is the saturated fats that increase ‘bad’ (LDL) cholesterol in the blood and cause narrowing and blockage of arteries.

Example: Milk, butter, meat, palm oil, coconut oil, vegetable ghee

Polyunsaturated fats occur in the oils of seeds and grains. Polyunsaturated fats are good for your heart as they decrease ‘bad’ (LDL) cholesterol, but at very high levels they may also reduce the level of ‘good’ (HDL) cholesterol. Therefore, they should be eaten in moderation.

Example: Corn oil, Sunflower oil, Safflower oil, Soya bean oil.

Monounsaturated fats are mainly found in plants. Monounsaturated fats are also good for your heart as they decrease ‘bad’ (LDL) cholesterol and increase good (HDL) cholesterol. However, they should be eaten in moderation.

OMEGA 3 fatty acids are a type of polyunsaturated fat that are mainly found in the oily fish. They help reduce the risk of heart disease.

Example: Tuna, Kingfish, Solmon, Sordines.

Hydrogenated fats are made by adding hydrogen to polyunsaturated or monounsaturated fats to make the fat firmer and stop it going rancid. The process of hydrogenation effectively turns unsaturated fats into saturated fats and is commonly applied to fast foods.

Pediatric Links - Must Read

Pediatric Surgery
This blog describes various medical and surgical diseases in children.

Laparoscopic procedures
Laparoscopic surgery though require skill, it is less morbid, less painful, gives good cosmesis and avoids large scars.

Pediatric Cancer
It is an informative blog which describes various types of cancer in children, their clinical presentation,diagnosis and management written by a surgeon.

Atlas of Pediatric Diseases
It includes the exclusive pictures of various diseases in children. This is very useful site to remember the pathology in a glance. Especially for doctors as well as for persons who are interested in pediatric medicine and surgery. Disclaimer :The images in this blog are from real surgeries, and they might not be suitable for all readers.

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This policy is valid from 1 July 2007. This blog is a personal blog written and edited by me. For questions about this blog, please contact debudeodhar at yahoo dot com. This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post may not always be identified as paid or sponsored content. The owner(s) of this blog is compensated to provide opinion on News, Media, travel, tourism, destination, vacation, visits, products, services, websites and various other topics. Even though the owner(s) of this blog receives compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely the bloggers' own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

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